Cheaper 2018 Chevrolet Spark Insurance Rates

Want better car insurance rates for your Chevrolet Spark? Paying for pricey Chevrolet Spark insurance can consume your savings and force you to tighten up your finances. Comparing rate quotes is an excellent way to tighten up your finances.

Since you have so many options, it can be diffult for drivers to find the most cost effective car insurance provider.

How your Spark insurance prices are determined

Many things are part of the equation when quoting car insurance. Most are fairly basic like an MVR report, but other criteria are less apparent such as your marital status or your commute time.When buying auto insurance it’s important to understand the rating factors that come into play when calculating your auto insurance rates. When consumers understand what positively or negatively impacts your premiums, this enables informed choices that may reward you with much lower annual insurance costs.

The factors shown below are some of the things companies use to determine prices.

• Are you male or female? – Statistics have proven that women are safer drivers than men. It does not mean men are WORSE drivers than women. Females and males have at-fault accidents in similar numbers, but men tend to have higher claims. Not only are claims higher, but men receive more costly citations like reckless driving and DUI. Young males are most likely to cause an accident so they pay the highest premiums.
• If you don’t need it don’t buy it – There are quite a few additional extra coverages you can purchase but may not be useful. Things like personal injury protection, death and dismemberment, and extra equipment coverage may be wasting your money. They may sound like good ideas when talking to your agent, but if you have no use for them think about removing them and cutting costs.
• Proper usage rating affects costs – Driving a lot of miles in a year’s time the higher the price you pay to insure it. Most insurance companies apply a rate based on how the vehicle is used. Autos left parked in the garage can get a lower rate than those used for commuting. Improper usage on your Spark may be costing you higher rates. Ask your agent if your auto insurance declarations sheet is showing the correct usage.
• Drive a safer car and pay less – Safer cars tend to have better insurance rates. Safer cars protect occupants better and reduced instances of injuries means lower claim amounts which can result in lower premiums.
• Good drivers pay better rates – Being a careful driver has a lot to do with how much you pay for insurance. Drivers who don’t get tickets get better prices than bad drivers. Only having one driving citation can increase the cost of insurance by twenty percent. Drivers who have license-revoking violations such as DUI, reckless driving or excessive speeding might be required by their state to submit a SR-22 or proof of financial responsibility with their state DMV in order to legally drive.
• When should you file a auto insurance claims? – Companies award the lowest premiums to people who are not frequent claim filers. If you tend to file frequent claims, you can definitely plan on much higher rates or policy non-renewal. Auto insurance is intended to be relied upon for more catestrophic claims.
• Premiums drop with age – Older, more experienced drivers are shown to be more cautious, tend to file fewer claims and tend to be get fewer driving tickets.Beginning drivers have a tendency to be easily distracted in a vehicle and because of this, their auto insurance rates are much higher.

The best way to compare rate quotes is to take advantage of the fact most of the larger companies provide online access to give free rates quotes. To get started, all you need to do is take a few minutes to give details including how much education you have, if you’re married, if it has an alarm system, and how much coverage you want. Your insurance information is instantly provided to all major companies and you will get price comparisons almost instantly.

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Insurance advertising tricks

State Farm, Geico and Progressive constantly bombard you with television and radio advertisements. They all seem to state the claim about saving some big amount if you just switch your coverage. How does every auto insurance company charge lower premium rates? It’s all in the wording.

Different companies require specific criteria for the driver they prefer to insure. An example of a desirable risk might be described as a married female, has no tickets, and has a short commute. A propective insured that hits that “sweet spot” receives the best rates and therefore will cut their rates substantially.

Consumers who are not a match for those criteria will probably be forced to pay higher rates and ends up with business going elsewhere. If you pay close attention to the ads, they say “customers that switch” not “everyone who quotes” save money. This is how insurance companies can advertise the savings.

This really drives home the point why it’s extremely important to get insurance quotes as often as possible. Because without a comparison, you cannot know with any certainty which company will give you lower prices than your current company.

Auto insurance discounts help reduce rates

Some providers don’t always publicize every discount they offer in a way that’s easy to find, so the list below contains both the well known as well as the least known credits available to bring down your rates.

• Driver Safety – Taking time to complete a course teaching safe driver skills may get you a small discount and easily recoup the cost of the course.
• Military Rewards – Being deployed with a military unit could mean lower prices.
• Cautious Driver Discounts – Insureds without accidents can save up to 40% or more on their insurance quote on Spark coverage than less cautious drivers.
• Low Mileage Discounts – Driving less could be rewarded with substantially lower rates.
• Homeowners Pay Less – Owning a house can save a few bucks because owning a home means you have a higher level of financial diligence.
• Anti-theft System – Cars, trucks, and SUVs with anti-theft systems are stolen less frequently and that can save you a little bit as well.
• Drivers Education – Have your child enroll in driver’s education as it will make them better drivers and lower rates.

Please keep in mind that most credits do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears all those discounts means the company will pay you, it’s just not the way it works.

Companies and some of their more popular discounts are outlined below.

• Geico may offer discounts for federal employee, defensive driver, seat belt use, five-year accident-free, military active duty, air bags, and anti-lock brakes.
• MetLife offers premium reductions for multi-policy, good student, good driver, accident-free, defensive driver, claim-free
• State Farm discounts include Drive Safe & Save, Steer Clear safe driver discount, passive restraint, multiple policy, safe vehicle, and anti-theft.
• Progressive may include discounts for multi-policy, multi-vehicle, online quote discount, online signing, and homeowner.
• Mercury Insurance includes discounts for type of vehicle, annual mileage, low natural disaster claims, good student, and good driver.
• 21st Century offers discounts for early bird, good student, automatic seat belts, air bags, and defensive driver.
• Allstate has discounts for early signing, auto/life discount, utility vehicle, safe driver, eSmart discount, and senior citizen.

When getting free insurance quotes, it’s a good idea to every prospective company which discounts can lower your rates. All car insurance discounts may not apply in your area.

Which is the best car insurance?

When choosing adequate coverage, there isn’t really a perfect coverage plan. Everyone’s situation is a little different so your insurance should reflect that Here are some questions about coverages that may help you determine whether your personal situation might need an agent’s assistance.

• Are my tools covered if they get stolen from my vehicle?
• Does my policy cover my teen driver if they drive my company car?
• Am I getting all the discounts available?
• Does my insurance cover my expensive audio equipment?
• What is an SR-22 filing?
• Why am I required to get a high-risk car insurance policy?
• Am I covered if hit by an uninsured driver?
• Am I covered if my car is in a flood?

If you can’t answer these questions, you might consider talking to an agent. To find an agent in your area, complete this form or click here for a list of car insurance companies in your area.

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Parts of your auto insurance policy

Knowing the specifics of your auto insurance policy aids in choosing appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverages available from auto insurance companies.

Collision coverage – This pays for damage to your Spark resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like damaging your car on a curb, hitting a parking meter and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Auto liability – Liability coverage can cover damages or injuries you inflict on a person or their property by causing an accident. This coverage protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Some companies may use a combined limit that pays claims from the same limit without having the split limit caps.

Liability can pay for claims such as legal defense fees, repair costs for stationary objects and funeral expenses. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance reimburse you for expenses like dental work, funeral costs, doctor visits and pain medications. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive coverage – This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as damage from a tornado or hurricane, hail damage, hitting a bird and theft. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as damage to your Chevy Spark.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Usually these coverages are similar to your liability insurance amounts.

Be Smart and Buy Smart

You just learned many tips how you can reduce 2018 Chevy Spark insurance rates online. The key concept to understand is the more companies you get car insurance rates for, the higher the chance of saving money. You may even find the lowest rates are with a small local company. These smaller insurers can often provide lower car insurance rates in certain areas than the large multi-state companies such as Allstate or State Farm.

Some insurance coverage companies may not offer the ability to get a quote online and most of the time these smaller companies only sell coverage through independent agents. Cheaper insurance coverage is possible from both online companies and with local insurance agents, so you need to compare both in order to have the best chance of saving money.

Much more information about insurance coverage can be read on the following sites:

• Help Your Teen Be a Better Driver (State Farm)
• What is Gap Insurance? (Insurance Information Insitute)
• Property Damage Coverage (Liberty Mutual)
• Understanding Limits and Deductibles (Allstate)
• Vehicle Safety Ratings (iihs.org)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)

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